Baidu knows the calculation formula of equal principal and interest, and the monthly interest rate is 8.4%/ 12.

Monthly interest rate =49000* 1.29%

Your three-year interest is 2176.64 * 36-49000 = 29359.04 yuan.

Actually equivalent to the annual interest rate 19.97%.

There is generally no mortgage, and the handling fee is very high. I hope I can adopt it myself.